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How much is car insurance in Winter Park?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Winter Park is about $7 cheaper than it is in the rest of Florida.
On the flip side, Winter Park residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $35 more expensive for coverage in Winter Park than the average rates seen in the rest of the U.S.
Although these are the average car insurance rates in Winter Park, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rates for Winter Park residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates begin to go back up in Winter Park.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in average rates in Winter Park totals about $8 per month. As illustrated in the table above, male drivers in the area pay about $119 on average, while female drivers pay around $111 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Winter Park, drivers with one accident on their record will experience rates around $197 a month. In addition, drivers with a single ticket on their record can expect to pay around $137 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$212|
|15 Years or Older||$121|
As you can see in the first table above, the cheapest vehicles to insure in Winter Park are typically cars, which run about $109 per month.
Truck and van drivers will see rates of about $130 for insurance coverage, while SUV owners usually pay around $129 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Winter Park, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$119|
Generally speaking, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Winter Park can be as much as $4 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$134|
Your housing situation is another component of how insurance companies calculate your monthly rate. Homeowners in Winter Park can expect to pay around $44 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Winter Park, FL
Recent trends in car insurance for Winter Park drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Winter Park, auto insurance rates have been mixed over the past few years. They rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $128 in 2021.
How does Winter Park compare to neighboring areas?
Why are car insurance rates in Winter Park different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Amount of off-street parking
- Community regulations
- Total number of drivers in the area
- Road Safety (frequency of local car accidents)
- Crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Winter Park?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Winter Park.
Winter Park Insurance FAQs
What factors affect car insurance quotes in Winter Park?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Winter Park different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Winter Park?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Winter Park?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Winter Park or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?